The first step if you are looking to purchase by the end of the year is get pre-approved now and then you can start looking at homes. There are a lot of short sale homes out there so they can take 1-6+ months to get Bank approval on for the seller, so you really need to start the ball rolling as soon as possible.
If you would like to apply on my website I can have you preapproved within 24 hours if not sooner. I am an Arizona native and have been in the mortgage business for over 11 years. I have local processing, underwriting, and funding.
I have a great agent that I have worked with for many years and Pearl's contact information is Pearl Everett HomeSmart Direct: (602) 931-9525 email@example.com so once you are preapproved, she can set you up on a home search.
I look forward to helping you purchase your new home!
Senior Mortgage Specialist
Direct (480) 428-1214 Fax (480) 882â€0860
Financing is done on a national basis but practices are local. The closing process in Arizona is different than in CA and as such I would recommend an Arizona lender.
In the end when the pressure is on right before you get keys a good local lender will be able to perform better for you.
I would be glad to share a great lender or two with you to pre-qualify with and begin the process. We have agents living in Phoenix that understand the market very well.
We come at no charge and offer home searches, inspectors, lenders etc for the process, everything you need.
I would look up local lenders in AZ and make a few calls and ask questions etc... Although if you've got a pre-approval with a bank of ameirca, wells fargo, chase etc. in general you shouldn't have any problems. For the most part if you're pre-approved and have good credit your main concern would be getting the best rate. This obviously takes into account your time frame of moving as they can change. If you have questions don't hesitate to call.
Realty One Group
Just doing some follow up from this Aug post, are you here in Phoenix now or in Calif? Have you started your house search and is your plan still to purchase before the end of the year?
Let me know if I can help
Edie Womack. CDPE, GRI, SFR,
Korene (who answered your question a couple lines below) and I have worked together with many clients and I would be happy to help you with your home purchase. Korene is the one of the best lenders that I have ever worked with and will work very hard both to earn your business but to ensure you have the best possible loan structure for your scenario.
I am a licensed realtor in Arizona and am a very experienced buyer's agent. If you would like to see the quality of my work, you can see recommendations from my clients on my Trulia profile. You can also start your home search online on my website at http://www.jenniemillerrealtor.com
Please call or email me at your convenience.
He has many different Loan Packages that are very unique to the industry. Please let him know I referred you.
Have an AWESOME afternoon!
Vivien L Biggs PLC
Prudential Arizona Properties
Check MLS for homes on my website
I agree with everyone else, it is probably easiest to get a pre-approval from a lender in AZ. I know several fantastic lenders if you need any recommendations. The homes on the market are moving pretty quickly right now, so it's a good idea to be ready to go with a pre-qual for when you find a house that you want to offer on.
If you are still looking for an agent, I would love to interview with you to see if you would be interested in working with me. I have lived here all of my life and am very familiar with all areas of the valley.
Happy house hunting!
Diamondback Realty, LLC
I would suggest to do so. If you would like any assistance feel free to contact me direct. I could forward you relocation information as well as auto searches in your areas of interest. Also a handful of lenders too contact for an interview
I would HIGHLY recommend getting pre-approved HERE in AZ. There are many reasons, the least of which it is MUCH easier to deal with a local person versus someone from out of state. The local lender will know AZ rules and regulations and guidelines when it comes to mortgages, plus they understand the timelines that come up during the escrow period.
I've had a few horror stories from buyers that wanted to use their home town lender, one being from Minnesota a few years ago. It almost cost her getting the home she wanted because her out of town lender just couldn't grasp how an escrow is handled in AZ, and he needed several extensions to get her loan completed. It was a short-sale, and the seller's lender did NOT want to continue granting us extension after extension. Fortunately, my buyer was able to go over his head and get it done, but not without much stress and unnecessary delays.
I have an EXCELLENT local lender here in AZ that has closed several loans for my buyers over the last few years. She can get you pre-qualified from a quick phone call:
Sr Loan Officer
Lizy is the best! She's very personable and professional and all of my clients that have used her just rave about her performance.
Once you've spoken to her, feel free to give me a call or send me an email and let me know what type of home you're looking for and what area of the Valley you'd like to live.
Realty ONE Group
Adam Tarr PC
Citywide Real Estate
I recommend using a AZ lender.
What tool are you using to search for real estate?
I have a free tool for my clients called listingbook. Go to http://www.listingbook.com/carlsongroup to sign up and start using the free tool. It is the best way to search for real estate on the internet. Let me know if you have questions. Thanks, Tiffany
Realty One Group
Well, it probably makes more sense to get pre-approved over here, as it will be more convenient to sign the documents over here with a local lender and title company.
With a re-location, the question is always one of income sourcing. If your income is non-employment related (social security, retirement, etc., for example) then no issue. If you are changing jobs, depending on the circumstances, you may be able to qualify based on a signed employment contract or you may have to wait until you have a paycheck in hand.
I would be glad to help with your pre-approval when the time comes. Please give me a shout.